No interest charges because you pay your balance in full each month. For months when you may need additional time to pay, we offer a feature that allows you to pay certain purchases over time with interest. If eligible, you may be given the option to enroll in the Pay Over Time feature, and if you choose to enroll, you will accrue interest on all eligible purchases when you choose to carry a balance.¤

*No Pre-Set Spending Limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

The Business Gold Rewards Card from American Express

Earn big rewards from everyday spending

Highlights

3X points on the category that best fits your business. Choose from one of 5 categories.Easy expense management toolsNo pre-set spending limit**No Pre-Set Spending Limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

Fees

$0 introductory annual fee for the first year, then $175¤No interest charges because you pay your balance in full each month. For months when you may need additional time to pay, we offer a feature that allows you to pay certain purchases over time with interest. If eligible, you may be given the option to enroll in the Pay Over Time feature, and if you choose to enroll, you will accrue interest on all eligible purchases when you choose to carry a balance.¤

Featured Business Gold Rewards Card Benefits

Spending Capacity

The Business Gold Rewards Card offers a spending capacity that can help you buy what you need when you need it. Use it for bigger items like equipment and wholesale goods, or smaller purchases like office supplies, shipping, and more. The more you use the Card to make purchases for your business, the more points you can get.

Membership Rewards® Points

We get it. Every business spends differently. That's why The Business Gold Rewards Card lets you choose the category where you can get 3X points. With five categories to choose from, pick the one that best fits your business spending.Get 3X pointson one of the following:

Airfare purchased directly from airlines

U.S. purchases for advertising in select media

U.S. purchases for shipping

U.S. purchases at gas stations

U.S. computer hardware, software, and cloud computing purchases made directly from select providers

Get 2X pointson the remaining four categories.Get 1X pointson other purchases.Terms and limitations apply. 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.

Business Gold Rewards Card Benefits

Expense Management Tools to help you track and organize expenses

Employee CardsAdd Employee Business Gold Rewards Cards to your account and make spending more convenient and expensing more efficient.Account ManagerWhen you designate an Account Manager, you can allow trusted individuals - like an assistant or business partner - to access and manage your Business Card account. So you can trust your Account Manager to get the work done when you can't be there.Spend ManagerSMSpend ManagerSM is a feature available to help you manage your Card expenses by allowing you to add receipts and notes to your transactions either via desktop or your mobile device.Connect to QuickbooksLabel and transfer your transaction data from your American Express online statement directly into your QuickBooks account.Account AlertsSet Account Alerts to help you avoid late payments, notify you of irregular activity, and monitor Employee Card use.Year-End SummaryAt the end of the year, see a complete summary that categorizes your spend by month and purchase type, and helps you track your business expenses down to the last detail.Online StatementsView your purchase history, prepare reports, and budget your expenses.Mobile and Tablet AppsEasily manage your account, pay your bill, check your balance, view your benefits and more from your mobile phone or tablet.

Customer Service and 24/7 support, whenever you need us

Relationship Care® ServiceGet round the clock, world-class customer support from our special brand of Relationship Care® service. Simply call the number on the back of your Card to speak to one of our Customer Care Professionals who are specially trained to understand the needs of small business owners and can provide you with business-savvy support. We are committed to serving your unique needs and helping you unlock the power of your Card.Global Assist® HotlineWhen you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers.

Travel & Transportation perks and protection when you're doing business on the road

No Foreign Transaction FeesDo business globally and pay no foreign transaction fees on your purchases.*¤*American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.Car Rental Loss and Damage Insurance♦︎As a Card Member, you can be covered if your eligible rental car is damaged or stolen when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver at the rental car counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.Premium Roadside AssistanceYour car breaks down or you blow a tire. Now what? Luckily you're a Card Member. Just call us to change a flat, jumpstart a battery, or get a tow up to 10 miles. We will pay for included emergency services up to four times a year, even if you're in your driveway. With one call, help is on the way. And soon you'll be on yours. There are some vehicle exclusions and other important restrictions.Baggage Insurance Plan♦︎Travel more comfortably knowing you can be covered by the Baggage Insurance Plan♦︎ for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.Travel Accident Insurance♦︎Worry less about the unthinkable happening to you on your Covered Trip. If an accident causes your Death, membership can provide added financial security to your beneficiaries. Travel Accident Insurance♦︎ can cover travel by plane, train, ship, or bus when you purchase the entire fare on your eligible Card. Please read important exclusions and restrictions.

Even More Benefits for Card Members

Extended Warranty♦︎With Extended Warranty♦︎ you can shop with less worry knowing the terms of the original manufacturer's warranty can be extended up to one additional year. Applies to warranties of 5 years or less that are eligible in the U.S. Please read important exclusions and restrictions.Purchase Protection♦︎When something you buy breaks or is stolen, Purchase Protection♦︎ can have you covered. Use your Card for eligible purchases, and your purchases can be protected from accidental damage or theft for up to 90 days from the moment you buy them. Please read important exclusions and restrictions.Dispute ResolutionWe will work with you to help resolve the issue if there is a fraudulent or incorrect charge on your statement.Amex OffersAmex Offers is a simple and easy way to make your life more rewarding. With offers for shopping, dining, travel, and more, there's something for everyone. Adding offers to your Card is quick, easy, and best of all, incredibly rewarding.OPEN Forum®Share your ideas, read articles and get tools, advice and information for growing your business from industry experts and other business owners.